Hot Tub Loss as Coverage C or Coverage B?

Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house. It is not connected to the domestic plumbing in any way, but it is hard-wired to the home's service panel. Recently, during a power outage, the water in the tub lines froze and caused leaks. Is the tub considered Coverage C, and if so, does this loss fit the “freezing” peril?

Massachusetts Subscriber

The fact that the hot tub is hard wired into the home's service panel makes it coverage B, other structures. It is separated from the house by a clear space and attached by only a fence, utility line, or similar connection. The tub is also not very portable, another strike against it being personal property. The hot tub is not a swimming pool, so the exclusion for freezing to a pool doesn't apply. Since the house was probably heated, then the freezing of the hot tub is covered, even though it's not actually in the house.

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